| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.94% |
| MELODIE GALE3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 14.39% |
| MELODIE GALE3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 8.99% |
| JMW MARKETING INC. | 12092 GRANDVIEW TER SAINT PAUL, MN 551249768 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSMN, INC./BLUECROSSBLUESHLD MN EIN 41-0984460 CONTRACT ADMINISTRATOR | Claims processing; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | P.O. BOX 64560 ST. PAUL, MN 55164 | $132K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $40K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $45K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $45K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 300 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.